Credit Card Debt

Credit Card Debt

Guidance and Debt Management Plans

If making consistent and timely credit card payments is a regular difficulty, you may possibly gain from expert help. Credit counseling and debt management plans can help you get straight back on track.

Credit guidance can guide you in the right direction after you’ve taken a couple of wrong turns. An experienced credit therapist can look over your funds and current situation and then assist you make a plan to move forward. He or she can assist you set up a household spending plan, savings plan and repayment plan for present debts. Your counselor can also gauge if you'll need more help.

Among your counselor’s suggestions may be enrollment in a debt administration plan (DMP). A DMP is best suited for individuals whom can afford their monthly repayments but lose track of bills or forget to pay on time. Whenever you enroll in a DMP, you’ll be responsible for just a solitary repayment each month. Instead than spending credit card organizations directly, you’ll send money to your credit therapist, who will then disburse the money to your different creditors. This can simplify your month-to-month bills and may be able to save you cash in interest and fees.

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D.J. Rausa

With over 21 years of experience as a consumer bankruptcy attorney, D.J. Rausa stays on the cutting edge of Bankruptcy and Student Loan Law which enables him to provide vital information to his clients.

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

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Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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